Putnam County, TN zoning map, flood zone and property lines by address
Free, no account. Or open the Tennessee map and tap a lot.
Towns in Putnam County: Cookeville, Lafayette, Algood.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Putnam County has 25 FIRM panels, the newest effective February 2025; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Putnam house comes from a licensed surveyor and is often on file with the county or city building office.
Property lines
The parcel outline, parcel number and mapped size come from the Tennessee Comptroller property boundaries layer (from each county assessor of property), so a Putnam lot shows the same lines the assessor of property draws. Putnam County covers about 256,708 acres of land and 933 acres of water.
Mapped lines are approximate. The Putnam County assessor of property keeps the parcel record (Putnam County website); a licensed surveyor sets the true corners.
Zoning
Putnam County zones its unincorporated land, and Cookeville, Lafayette, Algood each zone the land inside their limits. ParcelSheet shows the use the assessor of property lists for the lot and links the county planning office for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Under Tennessee's zoning laws (Tennessee Code Title 13, Chapter 7), local governments can allow an accessory dwelling unit on a lot with a house. Whether a Putnam lot can add one depends on its district; the county planning office has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Putnam County is soil survey area TN610, Putnam County and Parts of White County, Tennessee, last updated August 2026, on Web Soil Survey.
A new or changed septic system in Putnam County needs a permit from the TDEC Division of Water Resources, or the county health department in a county that runs its own septic program, which tests the soil on the lot itself.
Setbacks
Setbacks in Putnam County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district, and Cookeville, Lafayette, Algood for land inside their limits.
Hazards that apply
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Putnam lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Putnam County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Putnam County has 25 panels, the newest effective February 2025. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Putnam County?
Open the Tennessee map, type the address, and the parcel outline from the Putnam County assessor of property shows on the map with its parcel number and mapped size. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Putnam County?
Zoning in Putnam County is set by the county for unincorporated land and by each city (such as Cookeville, Lafayette) inside its own limits. ParcelSheet shows the use code the assessor of property lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Putnam County?
Under Tennessee's zoning laws (Tennessee Code Title 13, Chapter 7), counties and cities can allow an accessory dwelling unit, and each sets its own rules. In Putnam County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Putnam County?
Yes. A new or changed septic system in Putnam County needs a permit from the TDEC Division of Water Resources, or the county health department in a county that runs its own septic program. ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area TN610 (Putnam County and Parts of White County, Tennessee).
What can I build on 5 acres in Putnam County?
Zoning in Putnam County is set by the county for unincorporated land and each city inside its own limits (such as Cookeville, Lafayette). The zoning district decides the uses, how many homes and the smallest lot it allows on 5 acres. ParcelSheet shows the lot size as mapped and the use code on the parcel record; the planning office has the district and its rules. See the Putnam County website.
What are the residential setbacks in Putnam County (2026)?
Setbacks in Putnam County come from the zoning code of the county, or of the city when the lot is inside city limits: the front, side and rear distances depend on the lot's district. ParcelSheet does not draw setback lines or give a number it did not read; the zoning office gives them for the district. See the Putnam County website.
Next to Putnam County: Cumberland County, DeKalb County, Fentress County, Jackson County, Overton County, Smith County, White County.
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